Personal injury claims from road traffic accidents have dropped to an all-time low, according to the latest data from the government’s Compensation Recovery Unit (CRU). In the fourth quarter of 2025, only 63,833 motor claims were made, a 24% decrease compared to 2024, and a massive 65% drop since 2019. Overall, motor claims fell by 14% year-on-year in 2025.
The decline follows the government’s whiplash reforms, which have made it more challenging for people to claim compensation for injuries. While these changes were meant to lower insurance costs, critics argue that the savings haven’t been passed on to drivers. A report from HM Treasury showed that policyholders saved only £31 on premiums, falling short of the £35 originally promised.
Matthew Maxwell Scott, executive director of the Association of Consumer Support Organisations (ACSO), highlighted that while insurers have benefitted, the public hasn’t seen the expected reductions in their premiums. He hopes that the ongoing review of the reforms will address this discrepancy.
In addition to the drop in motor claims, other types of personal injury claims have also decreased. Employer’s liability claims are down by half since 2019, and public liability claims have fallen by 23%.
As the government reviews the whiplash reforms, many are calling for a closer look at how these changes affect victims of accidents and negligence.
At Box Legal we specialise in ATE Insurance for RTA claims. To find out more about our services, contact us today.
